Flood Insurance in Jenks, OK
A standard home insurance policy may cover damage caused by a broken pipe; however, it does not cover floods, storm surges, heavy rainfall and similar natural disasters. Without a dedicated flood insurance policy, you may be vulnerable to significant financial losses.
How Does It Work? 
In Oklahoma, you can purchase flood insurance from the National Flood Insurance Program (NFIP) or some private insurers. To qualify for NFIP coverage, your home must be in a community that is a member of the NFIP and has flood management standards. Most flood insurance plans have a 30-day waiting period before taking effect, unless it is purchased alongside the home.
What Does It Cover?
A typical NFIP plan usually offers the following coverage:
- Structure coverage can cover damage to your home’s physical structure and items that are permanently attached to your home, such as fixtures and lights.
- Contents coverage can cover belongings you keep inside your home.
Some private plans may also offer coverage for debris removal or loss avoidance, among others.
How Much Does It Cost?
The cost of a flood insurance plan can be influenced by different factors, including your location and flood risk. The NFIP website can provide you with the average flood insurance rates in your state if you want an estimate on how much you’re likely to pay.
Where Can I Purchase a Policy?
Contact HBI Insurance to learn more about your flood insurance options.